Going on a trip in an RV, or living the motorhome for any length of time, can mean that you are taking personal belongings with you. The problem is that you may or may not be covered against theft when you obtain a RV insurance policy.

Basic Policies

The requirements that are associated with a RV can vary based on the situation, but generally you are only required to obtain coverage that addresses liability concerns. You may not be required to obtain additional protection, though it may be recommended in most situations.

Since a basic liability policy is only designed to address accidents that you caused and the damages that resulted from that situation, it will not offer protection against theft. A comprehensive plan may offer protection against theft, but the details and options that are available can vary.

Protecting Personal Belongings

Even though a liability policy has limitations, many insurance providers will offer coverage to address more than the minimum standards.

Comprehensive coverage may offer protection against theft, but the details of making a claim and the amount of funding that is provided to replace the items can vary based on the type of plan that you purchased. You will want to read your policy before you assume that you can make a claim. There may be exceptions that limit your options or you may only have coverage to pay for the item after calculating depreciation values.

RV insurance can take many different forms and the coverage that you obtain may vary based on the plan that you purchased. Contact us to speak to an agent to learn more about your options or to find a new policy that addresses your specific goals and concerns.

If you carry boat insurance and you want to make sure that others are covered when they are borrowing it, you should speak to your agent to make sure your coverage is going to be adequate. In most cases, your state will have its own individual regulations about insurance for your boat, but policy structures are fairly similar no matter where you live.

If someone who lives in your home, which would typically include your spouse and your children, is borrowing the boat, then they will usually cover under your own boat policy. However, this does apply only to immediate family. Thus, your second cousin who lives with you will not be covered under the policy in most cases.

When buying boat insurance, you need to discuss the policy in detail with your insurer to make sure exactly what people will be covered by the policy. In general, the "immediate family" rule will apply, but every policy and every insurer does have their own distinctions and rules.

Don’t take a chance on being without the proper coverage for those times you loan out your boat. To make sure anyone who drives it is covered, you can talk to one of our agents. We’re happy to provide you with multiple quotes from some of the top companies in the insurance field today, free of charge!

The decision to invest in your car by installing new stereo or audio equipment can be a concern. You may assume that you need special audio insurance to pay for damages, repairs or the theft of the new system. Depending on your current coverage, you may or may not need additional protection.

Current Policy Details

Every auto insurance policy is different, so the details regarding your current coverage may play a role in the decision to purchase a separate policy. For example, if you have basic liability protection, then you may want to purchase a separate audio insurance policy to protect the new stereo from theft or damage. On the other hand, if you have a comprehensive plan, then it may already be covered.

An audio system is usually part of the car, which means that once it is installed, it is counted as part of the car’s current value.

Buying an Appropriate Policy

If your current policy does not cover your personal belongings or the damage to your vehicle, then you may want to buy a separate policy to address your concerns related to the specific stereo system. The additional coverage that you need may vary, so you may want to compare your options based on the cost of your new system and the specific concerns that you want to address.

A basic policy that is designed to protect the audio system can provide the coverage that you need to address most of your worries.

It may not be necessary to purchase a separate policy for a new audio system that you have installed, but there may be times when you want additional coverage. Contact us to speak to an agent to learn more about your options.

The loss of a motorcycle in Woodstock, GA can be frustrating, especially if you do not have coverage against theft. The state laws only require that you obtain appropriate liability and personal injury protection, which means that you are not required to protect your motorcycle against theft. Unfortunately, the details of your neighbor’s home insurance policy may vary and it might not cover the loss of your motorcycle.

Policy Variations

Just as motorcycle insurance does offer solutions against theft and damages to your motorcycle after an accident, a home insurance policy can have a variety of options and details. Some policies may offer solutions when the property of another individual is stolen from the garage, but the details and solutions that are offered can vary.

Protecting a Motorcycle

Since many home insurance companies will not cover the loss of large items or may have limited solutions, it is best to obtain motorcycle insurance that is appropriate for the situation.

If you are worried about theft, then it is usually best to purchase a policy that will specifically cover that problem. Even though your neighbor can be held liable for the loss of your motorcycle if it was in their garage while you were visiting the home, you may not be given enough to replace the motorcycle in every situation. Having protection against theft on your own policy is usually a good way to limit your losses.

The requirements associated with a motorcycle are not necessarily the same as a car, but the basic concerns and problems that may arise are similar. Contact us to speak to an agent to learn more about your options and to find a policy that is appropriate for your motorcycle.

Having a business can be tricky, especially if your industry doesn’t thrive year-round. It’s understandable wanting to cut costs wherever you can. Although your business may only operate during certain seasons or months, you may still need to have insurance protection. There are seasonal business insurance policies that will provide coverage during those months where your work is heavy, and step in to provide protection even when things are slow to avoid any gaps in insurance. This insurance also helps you if you have a weaker season than expected to help avoid huge losses.

Is seasonal business insurance something I need?

There are certain criteria that will determine whether or not you should get seasonal business insurance:

· Do you only operate during specific seasons of the year?

· Is your company dependent on the weather (skiing)?

· Does your company make the most money during certain times of the year?

If your business falls into one of these categories, you may want to acquire one of these policies.

Do I still need commercial auto insurance during these months?

Having commercial auto insurance during the months your business is not in operations is still a good idea. There may be a special event or a disaster and making sure your car is covered should be a top priority.

Getting the advice from a trusted independent agency that can help you compare quotes and make the best decision is a key. For more information on seasonal business insurance policies and protecting your business the right way, contact an agent at Peter Laczko Insurance to find out what options are available that will meet the needs of your business and keep you covered.